Freedom to Choose™ health and dental insurance Guaranteed

Here’s what Guaranteed offers in some of the most popular coverage categories.

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  Dental

  This plan does not include dental coverage.

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  Prescription drugs (optional)

  If you opt for a drug card – meaning your pharmacist can process your claim on the spot, and you only pay the amount that’s not covered – we will reimburse 80 percent of the cost, up to $1000 per person per calendar year. If you decide to go without a drug card– meaning you pay the upfront cost and submit your claim for reimbursement – we will cover 90 percent of the drug’s cost, up to $1000 per person per calendar year. If you are a Quebec resident, Freedom to Choose provides supplemental coverage to the prescription drug coverage provided under the Régie de l’assurance maladie du Québec (RAMQ) basic prescription drug insurance plan. Freedom to Choose doesn’t remove your obligation to have drug coverage through the RAMQ drug public plan, through your employer or an association you are a member of or through the employer of your spouse.

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  Paramedical services

  You’ve got 90% coverage up to $300 per person, per practitioner, each calendar year to spend on services like a naturopath, physiotherapy, chiropractor, massage therapist, psychologist or speech therapist.

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  Vision

  Keep those eyes sharp with up to 90 percent coverage up to a maximum of $75 for an eye exam every 2 years.

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  Private hospital room

  We’ll cover the difference in price between private accommodation and a standard ward, to a maximum of $225 per day and 90 days per calendar year.